Sun Pacific Mortgage and Real Estate - California's Fast Hard Money Lender

Founded in 1988 by Forest and Tricia Smith, Sun Pacific Mortgage & Real Estate is a family-owned and operated direct private money (hard money) lender. The company specializes in funding short-term, asset-based loans for residential, commercial, and land properties that traditional banks often cannot finance. Their mission is to provide fast, reliable, and flexible financing solutions for real estate investors, business owners, and individuals facing unique situations like foreclosure, probate, or properties needing rehabilitation. They pride themselves on a straightforward, common-sense underwriting process, focusing on equity rather than borrower credit scores.